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$15 for Basic, $35 for Unlimited
- Each Capital One business checking account carries a monthly fee — $15 for Basic, $35 for Unlimited — which can be waived if you meet certain average balance thresholds.
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MONTHLY SERVICE FEE. $15 monthly service fee, waived with $2,000 minimum balance. WIRES. For domestic wires, $15 per incoming wire and $25 per outgoing wire. Digital Transactions. No fee. Includes mobile deposits, ACH payments and online bill pay. ATM Access. No fees on withdrawals at 70,000+ ATMs.
Jun 18, 2024 · Each Capital One business checking account carries a monthly fee — $15 for Basic, $35 for Unlimited — which can be waived if you meet certain average balance thresholds.
- Senior Writer
- Capital One (Business)
Waived if prior 30- or 90-day balance averages $2,000 or more. Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs. 1. Includes mobile deposits, ACH payments and online bill pay. 2. The account you can rely on for your business banking needs.
Apr 26, 2023 · Consider consulting different banks to get information on their account fees, interest rates, account limitations and minimum balance requirements. Explore Capital One's business banking solutions to learn more about different types of accounts available for businesses of all sizes.
- Overview
- Who Is Capital One Best For?
- What Does Capital One Offer?
- Other Financial Products Offered by Capital One
- Capital One Customer Service
- How to Bank With Capital One
- Final Verdict
- What Is Needed to Open a Business Banking Account With Capital One?
- Does Capital One’s Business Checking Account Have a Minimum Balance Requirement?
- Is Capital One FDIC Insured?
Capital One business banking is a good choice for businesses that make frequent digital transactions and prefer to manage their accounts online. It’s a good option for account holders who can either maintain a minimum balance or pay a monthly service fee to waive the requirements. However, it’s not a recommended option for businesses looking for a ...
Capital One should appeal to small business owners looking for a full-service online bank. It may be a good fit for customers who:
Want to use free wire payments
Want business credit cards with no annual fees
Can pay a monthly fee or maintain a minimum balance
Manage most of their banking activities online
Capital One offers a wide range of business credit cards for people and companies with varying credit histories.
offers the following for business account holders:
Free cash deposits up to $5,000.
You need to pay $15 for a monthly service fee, which can be waived if you maintain a minimum of $2,000 in your account.
Deposits after you hit the $5,000 limit are charged at just $1 per $1,000, which can be cost-effective for businesses with smaller transactions.
Five free outgoing wires each month
Two basic checking accounts with no monthly fees
In addition to checking and savings accounts, Capital One also offers the following business banking services:
Business loans and lines of credit
Capital One is one of the best small business banks for a satisfying customer experience, a J.D. Power analysis found, ranking the bank second among 17 large banks in the survey.
The bank has a robust
online addressing most of the common questions. If you need more help, the
website lists a variety of phone numbers
Opening a business bank account with Capital One
may require you to visit a local branch. This isn’t ideal for business owners who would like to
To get started you’ll fill out an online form. You’ll also need to have handy a number of documents:
Personal information (name, date of birth, Social Security number, etc.)
Phone number and email address
U.S. street address (not a P.O. box)
Capital One is a good choice for businesses that can take advantage of the unlimited fee-free transactions and that want to manage their funds online. Unfortunately, Capital One does not offer a completely online experience. Prospective account holders will have to seek out a local branch to open an account—but the bank’s physical presence is limited. Still, once you’re set up, you likely won’t need to visit in person again.
This means it’s obviously not a good option for customers looking for traditional banks with lots of local branches.
You need to be a U.S. resident and be at least 18 years old to open a business banking account with Capital One. You need to find a local branch and
with you, like your proof of identity and business documents. It’s better to bring more documents and not need them rather than having to make a second trip.
The business checking accounts with Capital One don’t have a
You can choose to either pay a monthly service fee or maintain a minimum balance that waives this fee. The fees are $15 and $35 for the two types of checking accounts, so if you can spend that monthly, you won’t have to worry about a minimum balance.
Funds with Capital One are
, which means balances up to $250,000 are covered. In this case, if the bank fails, you will get your money back up to that amount.
Jun 11, 2024 · Business Savings. Capital One Business Advantage Savings offers tiered APY, depending on your balance. The account charges a monthly fee of $3—waivable with a minimum balance of $300. A six-month promotional rate of up to 4.10% is available to new accounts with balances anywhere from $10,000 to $5 million.
Account terms and charges. Monthly service fee. $15. Waive this monthly service fee by maintaining a $2,000 minimum 30-day or 90-day average monthly ledger account balance—whichever is greater. If you have a Capital One Business Enhanced Checking account, you are eligible for 2 Capital One Business Basic Checking accounts with this monthly ...
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related to: How much does a Capital One business checking account cost?Bank of America® is Here for Your Business Banking Needs. Apply Today. Unlock Exclusive Benefits & Access to Digital Tools With your Business Banking Account.
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